Area of focus

Consumer Finance

Technology, regulation, and funding are revolutionizing the consumer finance market. Our leading practice is perfectly placed to help you with all types of lending product — secured and unsecured loans, mortgages, credit cards, high cost short term credit, P2P/marketplace lending, and point of sale credit. And to assist with all aspects of a lending business from financial promotion to debt recovery.

We use the breadth of our knowledge and experience to find solutions for clients. We work with large banks,...

Representative experience

Advised two major retail banks on an extensive audit of their consumer credit lending against regulatory requirements in the UK.

Advised a number of UK lenders on the implementation of the mortgage credit directive.

Advised on the design of innovative and first-to-market financial products, including the first current account mortgage, P2P loans, and online executive of consumer credit agreements.

Advised on the launches of P2P lenders Zopa and Wonga and on the ongoing structuring of BancAlliance and Fundation's partnership on small business lending.

Hogan Lovells Publications

Mortgage lender fined for alleged HMDA violations Financial Institutions Sector Alert

On 5 June 2019 the Consumer Financial Protection Bureau (CFPB) announced its consent order (consent order) with a large mortgage lender (the company) for allegedly reporting erroneous sex,...

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Hogan Lovells Publications

CFPB enters consent order with student loan servicer for delayed account adjustments Consumer Finance Alert

On 1 May 2019 the Consumer Financial Protection Bureau (CFPB) announced a consent order with student loan servicer Conduent Education Services LLC (CES) (the company), formerly ACS...

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